SMART Doc Components

The acronym SMART represents: • Securable • Manageable • Archivable • Retrievable • Transferable 

An electronic document created to conform to a specification standardized by MISMO®. A SMART Doc® can lock together data and presentation in such a way that it can be system-validated to guarantee the integrity of the document.

The SMART Doc® Specification is a technical framework for representing documents in an electronic format. This format links data, the visual representation of the form, and signature. The visual representation of the documents can utilize a variety of technologies, such as XHTML, PDF, and TIFF. A SMART Doc can be secured to prevent tampering. Therefore, the Specification allows system validation to ensure that what the borrower sees and signs on the computer screen is the exact document that will be stored. It also ensures that the data displayed on the screen will be the exact data used for processing the loan.   

MISMO is seeking member comment on an updated version of the SMART Doc® Implementation Guide and Mapping Workbook.  The 60-day comment period runs through May 28, 2024.  

The SMART Doc® V1.02 Implementation Guide and Mapping Workbook contain updated guidance for the following:

  • Consumer Home Equity 2nd Lien eNotes Mapping
  • eNote Language Requirements for Fannie Mae / Freddie Mac
  • Standardization for representing the eNote Form Number in the XML data

    The SMART Doc® V1.02 Implementation Guide is a reference resource providing business context and technical guidance along with illustrative examples for a variety of implementations of SMART Docs®.  Standardized SMART Doc® guidance and mapping can be used by mortgage service providers to increase interoperability and maintain data integrity when performing eNote transactions. 


The release and use of MISMO standards, including the SMART Doc 1.02 implementation guide and related materials, are governed by the MISMO Intellectual Property Rights (IPR) Policy.

Access Information for Members

MISMO members may download the documents in a comprehensive user-friendly file. MISMO members enjoy the additional benefit of XML examples and DTD files. Click here.

Access Information for Non-Members

SMART Doc Specification V1.02

Supporting Documentation including:

  • SMART Doc Implementation Guide
  • eNote Map and Format
  • Data DTD
  • Framework DTD

Additional Resource:

FNMA Smart Doc® Validation Patent V1.0

Frequently Asked Questions V1.0

Technology Overview V1.0

FAQ for Using MISMO Version 3 with Documents



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